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FILE - In this Jan. 2, 2013 file photo, businesses still empty or boarded up after Superstorm Sandy are seen in the Rockaways section of New York. Sandy damaged or destroyed 305,000 housing units and disrupted more than 265,000 businesses in New York. Loss estimates in the affected states vary. Earlier this month, leading insurance company Munich Re Ag estimated insured losses at $25 billion and total losses at $50 billion. In December, state governments reported a total of $62 billion in damage and other losses. (AP Photo/Seth Wenig, File)
/ AP